SNB Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
SNB Bank, N.A. is an FDIC-insured commercial bank headquartered in Shattuck, OK, established in 1909 (FDIC certificate 4196), and it is supervised by the OCC. At Q2 2026 it reported total assets of $129.4M, down 10.2% from Q2 2025, the 119th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.80% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4196
- Headquarters
- Shattuck, OK
- Established
- 1909
- Total assets, Q2 2026
- $129.4M
- Assets vs Q2 2025
- -10.2%
- Tier 1 leverage ratio, Q2 2026
- 11.80%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103103435
- Latest call report
- Q2 2026, FFIEC 051 · SNB Bank, N.A. call report
- Holding company
- SHATTUCK BANCSHARES, INC.
- Asset rank in state
- 119th of 169 in Oklahoma
Problem loans are rising at SNB Bank, N.A.. It reported $129 million in assets at June 30, 2026, down 10.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 4.01% of loans from 2.32% a year earlier. It loses about $0.45 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 107 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
It lost $145,000 in the quarter. The commercial and industrial book ($29 million) is worsening: 5.25% of it is past due or on nonaccrual, up from 2.92% a year earlier. Credit is the area to watch: it carries problem assets equal to 37.3% of the capital and reserves that would absorb them, 14.1 times the median of 2.6% for banks its size.
As of June 30, 2026, SNB Bank, N.A. reported a return on assets of -0.45%, a nonperforming-loan ratio of 6.18% and a Texas ratio of 37.34%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, SNB Bank, N.A. is the 119th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.3% to $129.4M, loans rose 1.1% and deposits rose 1.3%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 31.3% of total loans, ahead of farmland and other real estate loans at 22.1%. The FDIC Summary of Deposits lists 2 offices for it, in Shattuck, OK and Booker, TX; its Shattuck office books 83% of its branch deposits. On its Q2 2026 call report, SNB Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 503 S Main St, Shattuck, OK 73858
- County
- Ellis
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 1, 1909
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $111.3M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $15K
- Average total assets
- $129.0M
- Average total loans
- $86.8M
- Average interest-bearing deposits
- $100.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4196
- Fed RSSD
- 394156
- Website
- www.snbbankna.com →
- Parent Holding Company
- SHATTUCK BANCSHARES, INC. (RSSD 1062416)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, SNB Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, SNB Bank, N.A.'s total assets ranged from $129.1M (Q1 2026) to $150.6M (Q3 2023), and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$129.4M total assets against $144.2M; $114.7M total liabilities against $128.5M.
$90.4M net loans and leases against $103.3M; $111.3M total deposits against $126.7M.
$17.1M securities against $13.6M; $8.7M cash and balances due against $15.9M.
$1.6M total interest income against $2.1M; $627K total interest expense against $748K.
$960K net interest income against $1.4M.
$662K total noninterest income against $4.5M; $1.8M total noninterest expense against $2.7M.
$0 provision for credit losses against $601K.
-$145K net income against $2.6M.
-0.45% return on assets against 7.02%; 3.16% net interest margin against 4.17%.
11.80% tier 1 leverage ratio against 11.10%.
Inside the full SNB Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
SNB Bank, N.A. rankings
Its closest position to the top of a national ranking is 36 of 3,640, for Texas Ratio; its furthest is 3,572 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -5.26% (Q4 2024) to 7.02% (Q2 2025) and its net interest margin ran from 3.16% (Q2 2026) to 5.29% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.80% | -0.45% | 6.18% | 37.34% | 3.16% |
| Q1 2026 | 11.63% | 0.46% | 4.21% | 18.27% | 4.54% |
| Q4 2025 | 11.31% | -1.20% | 6.10% | 22.92% | 3.50% |
| Q3 2025 | 11.13% | -1.16% | 3.43% | 11.45% | 3.56% |
| Q2 2025 | 11.10% | 7.02% | 2.56% | 17.05% | 4.17% |
| Q1 2025 | 9.49% | -0.49% | 3.44% | 24.71% | 3.50% |
| Q4 2024 | 9.73% | -5.26% | 1.56% | 10.17% | 5.29% |
| Q3 2024 | 11.46% | 0.81% | 4.64% | 21.69% | 3.79% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| SNB Bank, N.A. (main office) | Shattuck , OK | 73858 | $92.4M |
| Snb Bank Na-Booker Branch | Booker , TX | 79005 | $19.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 6, 1990 | M&A | Acquired Midwest Savings Association Federal Association failure_government_assistance_provided for the acquired bank | SEC |
| October 6, 1990 | Structure Change | Acquired Midwest Savings Association Federal Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC); 1 against individuals associated with it
- November 18, 2009, OCC: Formal Agreement: The Shattuck National Bank
- December 12, 1991, OCC: Formal Agreement: Shattuck National Bank
- Period: Most recent institution action November 18, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OK, rank 144 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 10 loans, $4.9M approved, $486K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about SNB Bank, N.A.
What are SNB Bank, N.A.'s total assets?
As of the Q2 2026 filing, SNB Bank, N.A. reported total assets of $129.4 million in its FFIEC call report.
Where is SNB Bank, N.A. headquartered?
It is headquartered in Shattuck, OK, United States.
When was SNB Bank, N.A. founded?
It was established in 1909, per the FDIC institution directory.
Is SNB Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4196). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates SNB Bank, N.A.?
SNB Bank, N.A.'s primary federal regulator is the OCC.
How many branches does SNB Bank, N.A. operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is SNB Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 37.34% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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